---
title: "Term Deposit — Maitland Mutual Limited"
description: "Term Deposits from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Term_Deposit
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-01T21:35:58.000+10:00
---

# Term Deposit — Maitland Mutual Limited

> Term Deposits from Maitland Mutual Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits · The Mutual Bank**

A Term Deposit which offers a fixed rate for terms up to 36 months.

## At a glance

- **Fixed rate:** 5.4% (122 days)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 30 days | 1.45% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 1–30 days | at maturity |
| Fixed · 30 days | 1.5% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 1–30 days | at maturity |
| Fixed · 60 days | 1.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 31–60 days | at maturity |
| Fixed · 60 days | 2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 31–60 days | at maturity |
| Fixed · 92 days | 4.85% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 61–92 days | at maturity |
| Fixed · 92 days | 4.9% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 61–92 days | at maturity |
| Fixed · 122 days | 5.4% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 93–122 days | at maturity |
| Fixed · 122 days | 5.4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 93–122 days | at maturity |
| Fixed · 153 days | 4.9% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 123–153 days | at maturity |
| Fixed · 153 days | 4.9% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 123–153 days | at maturity |
| Fixed · 183 days | 5.2% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 154–183 days | at maturity |
| Fixed · 183 days | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 154–183 days | at maturity |
| Fixed · 213 days | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 184–213 days | at maturity |
| Fixed · 213 days | 3.95% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 184–213 days | at maturity |
| Fixed · 244 days | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 214–244 days | at maturity |
| Fixed · 244 days | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 214–244 days | at maturity |
| Fixed · 274 days | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 245–274 days | at maturity |
| Fixed · 274 days | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 245–274 days | at maturity |
| Fixed · 305 days | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 275–305 days | at maturity |
| Fixed · 305 days | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 275–305 days | at maturity |
| Fixed · 335 days | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 306–335 days | at maturity |
| Fixed · 335 days | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 306–335 days | at maturity |
| Fixed · 365 days | 5.3% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 336–365 days | at maturity |
| Fixed · 365 days | 5.15% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 336–365 days | monthly |
| Fixed · 365 days | 5.15% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 336–365 days | every 3 months |
| Fixed · 365 days | 5.2% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 336–365 days | every 6 months |
| Fixed · 365 days | 5.3% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 336–365 days | at maturity |
| Fixed · 365 days | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 336–365 days | monthly |
| Fixed · 365 days | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 336–365 days | every 3 months |
| Fixed · 365 days | 5.25% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 336–365 days | every 6 months |
| Fixed · 1 month | 1.45% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 1 month | at maturity |
| Fixed · 1 month | 1.5% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 1 month | at maturity |
| Fixed · 2 months | 1.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 2 months | at maturity |
| Fixed · 2 months | 2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 2 months | at maturity |
| Fixed · 3 months | 4.85% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 3 months | at maturity |
| Fixed · 3 months | 4.9% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 3 months | at maturity |
| Fixed · 4 months | 5.4% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 4 months | at maturity |
| Fixed · 4 months | 5.4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 4 months | at maturity |
| Fixed · 5 months | 4.9% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 5 months | at maturity |
| Fixed · 5 months | 4.9% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 5 months | at maturity |
| Fixed · 6 months | 5.2% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 6 months | at maturity |
| Fixed · 6 months | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 6 months | at maturity |
| Fixed · 7 months | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 7 months | at maturity |
| Fixed · 7 months | 3.95% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 7 months | at maturity |
| Fixed · 8 months | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 8 months | at maturity |
| Fixed · 8 months | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 8 months | at maturity |
| Fixed · 9 months | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 9 months | at maturity |
| Fixed · 9 months | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 9 months | at maturity |
| Fixed · 10 months | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 10 months | at maturity |
| Fixed · 10 months | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 10 months | at maturity |
| Fixed · 11 months | 3.95% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 11 months | at maturity |
| Fixed · 11 months | 4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 11 months | at maturity |
| Fixed · 1 year | 5.3% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 12 months | at maturity |
| Fixed · 1 year | 5.15% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 12 months | monthly |
| Fixed · 1 year | 5.15% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 12 months | every 3 months |
| Fixed · 1 year | 5.2% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 12 months | every 6 months |
| Fixed · 1 year | 5.3% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 12 months | at maturity |
| Fixed · 1 year | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 12 months | monthly |
| Fixed · 1 year | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 12 months | every 3 months |
| Fixed · 1 year | 5.25% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 12 months | every 6 months |
| Fixed · 2 years | 5.1% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 24 months | monthly |
| Fixed · 2 years | 5.1% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 24 months | every 3 months |
| Fixed · 2 years | 5.15% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 24 months | every 6 months |
| Fixed · 2 years | 5.2% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 24 months | every 12 months |
| Fixed · 2 years | 5.1% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 24 months | monthly |
| Fixed · 2 years | 5.1% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 24 months | every 3 months |
| Fixed · 2 years | 5.15% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 24 months | every 6 months |
| Fixed · 2 years | 5.2% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 24 months | every 12 months |
| Fixed · 3 years | 4.4% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 36 months | monthly |
| Fixed · 3 years | 4.4% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 36 months | every 3 months |
| Fixed · 3 years | 4.45% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 36 months | every 6 months |
| Fixed · 3 years | 4.5% | Term Deposit_Tier $1,000–$499,999; Term Deposit_Tier 36 months | every 12 months |
| Fixed · 3 years | 4.4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 36 months | monthly |
| Fixed · 3 years | 4.4% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 36 months | every 3 months |
| Fixed · 3 years | 4.45% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 36 months | every 6 months |
| Fixed · 3 years | 4.5% | Term Deposit_Tier $500,000–$5,000,000; Term Deposit_Tier 36 months | every 12 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHEQUE_DISHONOUR — A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured. | Event | $9.00 |
| DIRECT_ENTRY_DISHONOUR — Payable when a direct entry (inward and outward) is dishonoured. | Event | $9.00 |
| DOCUMENT_FEE — $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase. | Event | $60.00 |
| FINANCIAL_INSTITUTION_CHEQUE — Payable when you request us to issue a financial institution cheque. | Event | $2.50 |
| MISCELLANEOUS_SERVICE_FEE — $60.00 per hour. Payable if you request information not covered by the Document Fee. | Event | $60.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY — Payable if we assist you send funds electronically overseas in Australian dollars. | Event | $50.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY — Payable if we assist you send funds electronically overseas in a foreign currency. | Event | $30.00 |
| PHYSICAL_FOREIGN_CURRENCY — 1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased. | Transaction | 1% of transaction |
| UNCLAIMED_MONIES_FEE — The lessor $20.00 or account balance. Payable when an account is classified as dormant. | Cash advance | $20.00 |
| OVERDRAWN_FEE — If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order. | Event | $9.00 |
| DORMANT_ACCOUNT_FEE — This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance. | Event | $20.00 |
| FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE — A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card. | Transaction | 1% of transaction |

## Features

- **A certificate account only**
- **Digital banking** (View only access)
- **Notifications** — Mutual Alerts - Balance, low and balance, deposit, withdrawal
- **Early redemption - 31 calendar days notice required**

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Business customers** (A domestic business with an ABN or ACN where relevant (e.g. company, sole trader, partnership, association, trust))
- **Individuals only** (Available for personal use)

## Constraints

- **Opening balance** — $1,000.00 (Minimum opening balance $1,000.00)
- **Minimum balance** — $1,000.00 (Minimum balance $1,000.00)

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/bank-save/investments/term-deposit/)
- [Terms & conditions](https://www.themutual.com.au/help-support/important-documents/)
- [Eligibility](https://www.themutual.com.au/help-support/important-documents/)
- [Fees & pricing](https://www.themutual.com.au/help-support/important-documents/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `Term_Deposit`
- Last updated by the provider: 1 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Term_Deposit
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Term_Deposit) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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